Prepayment Validation by Originator and Beneficiary

2. The computer-implemented method of claim 1, wherein validating the transaction request is based on the indication from the recipient device indicating that the transaction is valid.

3. The computer-implemented method of claim 1, wherein the indication from the recipient device includes a validation of part of the transaction data received by the recipient device.

4. The computer-implemented method of claim 3, the method further comprising providing the return notification to the originator device associated with the originator, the return notification prompting the originator to at least one of validate the edited transaction data or edit flagged transaction data.

5. The computer-implemented method of claim 4, the method further comprising validating the transaction request based on the originator validating the edited transaction data.

6. The computer-implemented method of claim 4, the method further comprising providing an incentive to the originator conditioned on the originator validating the edited transaction data, wherein the incentive is a financial incentive.

7. The computer-implemented method of claim 1, wherein the indication from the recipient device includes a validation of part of the transaction data conditioned on the originator making at least one edit to the part of the transaction data.

8. The computer-implemented method of claim 1, wherein the notification message causes the recipient device to prompt the transaction recipient to validate the transaction request by confirming that the transaction data received by the recipient device is correct or acceptable to the recipient and in response to the recipient validating the transaction request, providing at least one of a financial incentive and a time-based incentive to the recipient.

9. The computer-implemented method of claim 1, wherein the notification message includes a status of the transaction request, and wherein transmitting the notification message includes transmitting the notification message to the originator device associated with the originator of the transaction request, wherein the status indicates at least one of an estimated time of completion of the transaction, a dollar amount of the transaction request, a delay, an event causing the delay, and at least one action that at least one of the originator or recipient can take to at least partially remedy the delay.

10. The computer-implemented method of claim 1, wherein the method further includes transmitting a data message to the recipient financial institution including the transaction data, wherein transmitting the data message to the recipient financial institution includes first transmitting the data message to the intermediary financial institution, the intermediary financial institution then transmitting the data message or modifying and then transmitting the data message to the recipient device or to the recipient financial institution.

12. The system of claim 11, the originating financial institution computing system further configured to validate the transaction request based on the indication from the recipient device indicating that the transaction is valid.

13. The system of claim 11, wherein the indication from the recipient device includes a validation of part of the transaction data received by the recipient device.

14. The system of claim 13, wherein the notification message causes the recipient device to prompt the transaction recipient to validate the transaction request by confirming that the transaction data received by the recipient device is correct or acceptable to the recipient.

15. The system of claim 14, the originating financial institution computing system further configured to provide an incentive to the recipient conditioned on the recipient validating the transaction request.

16. The system of claim 15, wherein the incentive is at least one of a financial incentive and a time-based incentive.

17. The system of claim 11, wherein the notification message includes a status of the transaction request, and wherein transmitting the notification message includes transmitting the notification message to the originator device associated with the originator of the transaction request.

18. The system of claim 17, the status indicating at least one of an estimated time of completion of the transaction, a dollar amount of the transaction request, a delay, an event causing the delay, and at least one action that at least one of the originator or recipient can take to at least partially remedy the delay.

20. The non-transitory computer readable media of claim 19, wherein the indication from the recipient device includes a validation of part of the transaction data received by the recipient device.